housing picture. hi, brenda. >> that's right. in spite of team obama $75 billion effort, financed by taxpayers, you and me, to prevent foreclosures, not much has changed for borrowers hoping for help. a small fraction of the 650,000 homeowners in the program, less than 1% by some measure, moved past the trial phase to serious modification of the mortgages. blame the banks says the administration. tomorrow, it's expected to announce plans to pressure lenders, in part by naming those with the poorest records on modifying loans. with one and four borrowers under water, quarter owe more on the mortgages than the homes are worth, foreclosures could soon flood a market that already hit record highs for them. in the third quarter. yes, the $8,000 federal tax credit for first time buyers did help existing and new home sales rise in october. that has been extended.